If you were diagnosed with a critical illness, you know that decisions would have to be made with a high degree of urgency.

At that time, you would not be thinking about the financial implications of your condition. You would likely use all the resources at your command to establish a treatment plan for the best possible outcome.

But soon it would be clear that you could face a staggering amount of expenses – both medical and non-medical. That is when the value of critical illness insurance can be most appreciated.

You are your business.

That statement is true for any physician who owns their own practice.

Why? Because you are the backbone of your practice – which is literally your business. If you were ill or injured and couldn’t work, who would be responsible for keeping your practice up and running? You would, of course.

You are responsible not just to earn income for yourself and your family, but you must also be there for your patients as well as your staff.

Even if you don’t play or watch the game of baseball, you have most certainly heard the expression “cover your bases.”

It essentially means “be prepared” – position your team to be alert for any possibility – whether it’s a line drive hit down the third base line or a runner trying to steal second. The idea is to be ready so no matter what happens you are not caught off guard.

Life is lived in stages. You could say the same is true for the career of a physician.

In a broad sense, a physician’s career can be divided into three stages – early, middle and later. Each of these stages can bring rewards and achievements. But at the same time each comes with vulnerabilities – especially with regard to our health.

As a physician, you understand how important it is to carry comprehensive health insurance. But when you are faced with a critical illness, your health insurance - though important - could still leave you with coverage gaps that may leave you financially vulnerable.

We all know that for individuals, health insurance renewals and changes happen during the November and December calendar months. But if you’re a practice owner or manager, your group health insurance can renew at any time throughout the year. Whether your plan is up for renewal, or you’re offering group benefits for the first time, we want you to know that TMA Insurance Trust can help you year-round. We do the research, look for superior options, and always provide the best in service. Read on to see how your practice can benefit from getting assistance from our team.

Even for those who have health insurance, a serious illness can bring serious financial problems, as the following statistic shows:

The message is clear: health insurance can leave a serious coverage gap. How can you help protect your finances? Let us help you find one way: starting February 1, TMA Insurance Trust is offering members under age 65 guaranteed acceptance for $20,000 coverage of TMA Member Critical Illness Insurance.

Physicians are like everyone else in at least one respect – no one is immune to the possibility of a serious illness.

Every year, 720,000 Americans have a heart attack.¹ Every 40 seconds a stroke occurs.² And in the United States, the risk of developing cancer is 1 in 3 for both men and women.³

And here is another sobering thought: With the higher deductibles, copays and coverage limits of many of today’s health insurance plans, it’s very likely that your primary health insurance will not cover all the expenses related to a prolonged serious illness.

That is why we are offering TMA members guaranteed acceptance for $20,000 of critical illness insurance.